It’s bloody and there are specific cases that occur in dysfunctional families, but the most common credit card scams are also related to families, who take the cards and charge either for via the Internet, by telephone, at ATMs or in business premises then send them back to their site without the knowledge of the owner.
Already many people have come back or tried Cancel renewable cards believing that fraudulent charges have been made against them, being their own family or professional environment who made the payments without notice.
Other common credit card scams
Phishing
Whether by email, phone call or SMS, with enormous seduction and empathy that convinces of the need to pay attention to them for your benefit and/or safety, they manage to encourage you to share information with details. on your credit card.
They play with users’ doubts or the momentum to achieve goals that had not even been sketched out and even sow fear of consequences in principle so realistic that they accelerate the momentum to solve, turning into a crude trap but effective, with the who were robbed people of all ages around the world.
These connections come from both calls, e-mails or messages that we receive or send in the wrong way or from websites of questionable reputation and, even, from data provided manually in serial institutions, which are stolen and sold on the black market.
Most Common Credit Card Scams: Unreal Benefits
When there are people with outstanding loans, pending debts or higher interest credit cards, scammers who get their information from stolen databases and/or even random actions with psychological manipulation, capture them and offer them discounts, refunds or forgiveness of debts that are not such.
His racks of answers and affability, in addition to the knowledge of the causes (protected by bank staff or other complicit institutions), end up convincing the unwary and carrying out cloning, identity theft or excessive consumption with TDC data. .
Most Common Credit Card Scams: Online Shopping
Those who buy from websites without a secure SSL certificate are most prone to TDC cloning and misuse, blaming the user.
Its biggest risk is that sometimes there is no real-time warning or if there is, this time lapse between the message and the contact with the bank, already helps that the purchase fraudulent has been carried out and that the charge enters into discussion with the bank for the user part.
Going to the authorities is the right thing to do, but there are very few occasions when the scammed person can get rid of the payment of the debts assumed by the scammers and it is much more difficult for them to pay for their crimes and/ or refund them. for what they were scammed.
Most Common Credit Card Scams: Skimming and Shimming
Skimming: Theft of data (cloning) when performing a transaction for fraudulent use. own of the Chipless credit cards.
Shimming: data theft (cloning) of the Chip credit cardsMade in rigged points of sale, card readers or ATMs.
The most common credit card scams: Wi-Fi theft
Public WiFi is the most manipulable to steal all kinds of data, especially those from TDCs, whether they relate to points of sale, card readers, mobile devices or computers where you use them. financial tools.
Most Common Credit Card Scams: Theft of Money
Also called “Change”This is an ancient rogue technique in which a person who, in addition to knowing your sight or hearing data at the place where you pay, knows how to use the arts of pickpocketing to trick you and change your card to a fake one. Believe it or not, in the 21st century it is still the most recurrent scam or robbery in the world, in addition to the direct theft of the card or the wallet without change, only the vile art of pickpocketing.